4240 Watson Ln, Union Bridge, MD 21791 Property Records

Carroll County property record for 4240 Watson Ln, Union Bridge, MD 21791

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,976 sqft · built 1989
Lot Size	3.28 acres (142,877 sqft)
Owner	Individual Name on Record
Last Sale	$200,000 (May 2002)
Tax Bill	$4,081 (2026)
Deeds & Mortgages	Jun 2026 Sale Mar 2023 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`12-007434`

Property Details

APN / Parcel Number

Primary APN	`12-007434`
Alternative APN	`007434`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	1,976 sqft Total Area

Exterior

Year Built	Built 1989
Effective Year Built	Effective 1989
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	142,877 sqft (3.28 acres)
Garage Type	Attached
Garage Area	720 sqft
Parking Spaces	3 Parking Spaces
Porch	Slab
Porch Area	91 sqft
Deck Area	168 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating Fuel	Electric
Sewer	Connected

Location & Zoning

Account Number	007434
Street Address	4240 WATSON LN
City	UNION BRIDGE
State	MD
Zip	21791-9060
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AGRIC
Legal Description	LT 1A - 3.28 ACS 4240 WATSON LN 47-232 RANDON PLACE AMND
Legal Subdivision	AMENDED PLAT OF LOT 1
Legal Lot Number	1A
Jurisdiction	CARROLL MD
Township / Civil Division	12, UNION BRIDGE
Census Block Group	1
Census Block	1010
Census Tract	512000

Owner

Source: Carroll County records, as of October 20, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	4240 WATSON LN, UNION BRIDGE, MD 21791-9060
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 30, 2026	Deed, Transfer NONE LISTED ON DOCUMENT
Mar 24, 2023	Deed of Trust, Mortgage · Conventional Mortgage ACNB BANK
Feb 24, 2021	Intrafamily Transfer, Transfer · Conventional Mortgage ACNB BANK
Nov 10, 2020	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 9, 2002 · Amount on Record
Deed Sale	May 9, 2002 · Amount on Record
Deed Document Number	200215392
Deed Book / Page	2903 / 419
Last Transfer Date	Jan 26, 2021
Transfer Doc	0101220316
Record Updated	Oct 29, 2026

June 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	CARROLL MD
Recording Date	Jun 30, 2026
Property Address	4240 WATSON LN, UNION BRIDGE, MD 21791-9060
Document Number	1180000132
Book / Page	11804 / 132
Instrument Date	Jun 8, 2026
Transaction Type	Transfer
Record Updated	Aug 30, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Tax	$0.00
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4240 WATSON LN, UNION BRIDGE, MD 21791-9060

March 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CARROLL MD
Property Address	4240 WATSON LN, UNION BRIDGE, MD 21791-9060
Transaction Type	Mortgage
Record Updated	Apr 19, 2023
Title Company	MARYLAND TITLE CENTER LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0110010277
Date	Mar 24, 2023
Book Page	11001/277

Lender

Name	ACNB BANK
Type	Bank
Address	GETTYSBURG, PA 17325

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2053

Interest

Rate Type	Adjustable Rate
Rate	5.37%
Adjustable	Adjustable Rate Rider
Type Change Date	Apr 1, 2033
Change Frequency	Annually
Min Rate At Change	3.37%
Max Rate At Change	7.3%
Index	1-Year CMT
Max Rate	11.3%

February 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	CARROLL MD
Recording Date	Feb 24, 2021
Property Address	4240 WATSON LN, UNION BRIDGE, MD 21791-9060
Document Number	0101220316
Book / Page	10122 / 316
Instrument Date	Jan 26, 2021
Transaction Type	Transfer
Record Updated	May 2, 2022
Title Company	MARYLAND TITLE CENTER LLC

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	4240 WATSON LN, UNION BRIDGE, MD 21791-9060

Mortgage

Document Number	0010122319
Date	Feb 24, 2021
Instrument	10122/319

Lender

Name	ACNB BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 1, 2051

November 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	CARROLL MD
Recording Date	Nov 10, 2020
Property Address	4240 WATSON LN, UNION BRIDGE, MD 21791-9060
Document Number	0099430001
Book / Page	009943 / 000001
Instrument Date	Aug 19, 2020
Transaction Type	Transfer
Record Updated	Nov 24, 2020
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Sole Owner
Address	2000 S PLEASANT VALLEY RD WESTMINSTER MD 21158, WESTMINSTER, MD 21158

Tax Assessment & Valuation

Source: Carroll County assessment roll, as of September 8, 2026

Property Jurisdictions

Type	Name
State	Maryland
County	Carroll County
Unified School District	Carroll County Public Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$4,081.00 (+4.91%) Homeowner's exemption	$361,300 (+4.97%) Land $146,400 Building $214,900	$361,300 (-) Land $146,400 Building $214,900
2025	$3,890.00 (+11.05%) Homeowner's exemption	$344,200 (+11.03%)	$361,300 (+16.55%) Land $146,400 Building $214,900
2023	$3,503.00	$310,000 Land $146,400 Building $163,600	$310,000 Land $146,400 Building $163,600

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

Source: FEMA National Flood Hazard Layer, effective March 11, 2016 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 10 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	10 in force
Nearby Flood Claims	1 (2012)
Most Recent Claim	Oct 2012 · Hurricane Sandy

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 80% of the US · above 41% of Maryland
Wildfire Likelihood	0.01% annual chance
Exposure	None beyond ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 21 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless	25 / 3

May also be available: Antietam Cable.

Nearby Properties on Watson Ln

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures